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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,621 | $56,060+9.9% | $76,002-18.9% | $80,874-23.8% |
| Participation rate | 91.9% | 62.0%+29.9pp | 69.1%+22.9pp | 67.6%+24.3pp |
| Annual return | 11.78% | 20.54%-8.8pp | 360.07%-348.3pp | 35.62%-23.8pp |
| Employer contribution / active EE | $3,005 | $1,873+60.4% | $2,688+11.8% | $2,756+9.0% |
| Participant deferral / active EE | $6,628 | $3,051+117.2% | $4,257+55.7% | $4,297+54.3% |
| Admin fee / account holder | $8,151 | $5,237+55.6% | $6,414+27.1% | $6,935+17.5% |